Transaction processing method, collection terminal, storage medium, and computer program product

Abstract

A near field communication based transaction processing method according to one aspect of the present application includes: in response to a collection terminal being in a tag mode, writing in a readable and writable electronic tag of the collection terminal, information of a collection entry of a first coupon; in response to the collection terminal initiating a payment processing request, switching from the tag mode to a card reader mode and establishing a near field communication connection with a payment terminal, sending the payment processing request to the payment terminal via the near field communication connection, the payment processing request including a request to read a second coupon and a request to read a payment credential; and in response to receiving the second coupon and the payment credential from the payment terminal, sending a transaction message generated based on at least the second coupon and the payment credential and receiving a transaction response result, wherein the collection terminal sends the information of the collection entry of the first coupon to the payment terminal, so that the payment terminal collects the first coupon through the information of the collection entry of the first coupon.

Description

Technical Field

[0001] This application relates to the field of payments, and more specifically to a transaction processing method based on near-field communication, a payment terminal, a computer-readable storage medium for implementing the above method, and a computer program product. Background Technology

[0002] Near Field Communication (NFC) is a high-frequency, short-range wireless communication technology that uses magnetic field induction to enable communication between devices at close range. It is widely used in scenarios such as mobile payment, access control, public transportation, and rapid device pairing.

[0003] Currently, in payment scenarios, users can bring their NFC-enabled mobile terminals close to the NFC sensing area of ​​a point-of-sale (POS) terminal to complete payment transactions. For example, the NFC module of the POS terminal can read payment information such as bank card information and mobile payment information stored in the mobile terminal, and then send the relevant payment information to the transaction system to complete the transaction processing.

[0004] However, the NFC module of current POS terminals only performs a one-way reading function in the entire payment process. That is, it only reads the bank card information, mobile payment information and other payment information required for payment from the mobile terminal. As a result, the read and write capabilities of the NFC module are downgraded to one-way reading capabilities, and it cannot make full use of its read and write functions for user management. This leads to a disconnect between payment and subsequent user management actions, which affects user experience and user management efficiency. Summary of the Invention

[0005] To address or at least alleviate one or more of the above problems, the following technical solutions are provided.

[0006] According to a first aspect of this application, a transaction processing method based on near-field communication is provided. The transaction processing method includes the following steps: in response to a payment terminal being in tag mode, writing the redemption entry information of a first coupon into a readable and writable electronic tag of the payment terminal; in response to the payment terminal initiating a payment processing request, switching from the tag mode to a card reader mode and establishing a near-field communication connection with a payment terminal, sending the payment processing request to the payment terminal via the near-field communication connection, the payment processing request including a request to read a second coupon and a request to read a payment voucher; and in response to receiving the second coupon and the payment voucher from the payment terminal, sending a transaction message generated at least based on the second coupon and the payment voucher and receiving a transaction response result, wherein the payment terminal sends the redemption entry information of the first coupon to the payment terminal, so that the payment terminal can redeem the first coupon through the redemption entry information of the first coupon.

[0007] According to an embodiment of the transaction processing method based on near-field communication, wherein the receiving terminal sends the redemption entry information of the first coupon to the payment terminal, the receiving terminal sends the redemption entry information of the first coupon to the payment terminal when the receiving terminal is in the tag mode or in the card reader mode.

[0008] According to one embodiment or any of the above embodiments of the transaction processing method based on near-field communication, sending the redemption entry information of the first coupon to the payment terminal when the receiving terminal is in the tag mode includes: when the receiving terminal is in the tag mode, in response to establishing a near-field communication connection with the payment terminal, sending the redemption entry information of the first coupon to the payment terminal via the near-field communication connection.

[0009] According to one embodiment or any of the above embodiments of the transaction processing method based on near-field communication, sending the redemption entry information of the first coupon to the payment terminal when the receiving terminal is in the card reader mode includes: sending the redemption entry information of the first coupon together with the payment processing request to the payment terminal when the receiving terminal is in the card reader mode, or sending the redemption entry information of the first coupon to the payment terminal in response to receiving the transaction response result.

[0010] According to one embodiment or any of the above embodiments of the transaction processing method based on near field communication, the readable and writable electronic tag of the receiving terminal is an NFC tag, and the receiving terminal is a POS terminal.

[0011] According to one embodiment or any of the above embodiments of the present application, the transaction processing method based on near-field communication further includes: receiving third coupon redemption entry information in response to the current transaction meeting the coupon redemption conditions; switching from the card reader mode to the tag mode and writing the third coupon redemption entry information into the readable and writable electronic tag; generating prompt information for prompting the payment terminal to redeem the third coupon during a preset time period; and in response to establishing a near-field communication connection with the payment terminal during the preset time period, sending the third coupon redemption entry information to the payment terminal via the near-field communication connection, so that the payment terminal redeems the third coupon through the third coupon redemption entry information.

[0012] According to one embodiment or any of the above embodiments of the transaction processing method based on near-field communication, the method further includes: after the preset time period or in response to receiving an end operation command, rewriting the first coupon redemption entry information into the readable and writable electronic tag.

[0013] According to one embodiment or any of the above embodiments of the transaction processing method based on near-field communication, when the receiving terminal is in the card reader mode, the receiving terminal generates a radio frequency magnetic field and actively polls whether there are any communicable payment terminals in the vicinity.

[0014] According to one embodiment of this application or any of the above embodiments, in the transaction processing method based on near-field communication, when the receiving terminal is in the tag mode, the receiving terminal does not generate a radio frequency magnetic field and detects whether there is a radio frequency magnetic field generated by a payment terminal in the vicinity.

[0015] According to one embodiment or any of the above embodiments of the transaction processing method based on near-field communication, the receiving terminal switches to the tag mode in response to one or more of the following: detecting an external radio frequency magnetic field, receiving a mode switching instruction, or receiving a transaction completion notification.

[0016] According to one embodiment or any of the above embodiments of the transaction processing method based on near-field communication, the information on the redemption entry of the first coupon and the information on the redemption entry of the third coupon are written into the protected area of ​​the readable and writable electronic tag in NDEF format, and the data in the protected area is modified by the driver interface of the payment terminal.

[0017] According to one embodiment or any of the above embodiments of the transaction processing method based on near-field communication, the protected area of ​​the readable and writable electronic tag is configured with an access password. When the number of incorrect attempts of the entered access password reaches the maximum attempt threshold, the data in the protected area is prohibited from being accessed.

[0018] According to one embodiment or any of the above embodiments of the transaction processing method based on near-field communication, the entry information for claiming the first coupon and the entry information for claiming the third coupon are Uniform Resource Locator (URL) information of the coupon.

[0019] According to one embodiment or any of the above embodiments of the present application, the transaction processing method based on near-field communication includes sending a transaction message generated based at least on the second coupon and the payment voucher and receiving a transaction response result, which includes: packaging the second coupon and the payment voucher into the transaction message and sending the transaction message to the acquiring system; and receiving the transaction response result from the acquiring system.

[0020] According to one embodiment of this application or any of the above embodiments, the transaction processing method based on near-field communication is used to indicate whether the transaction was successful and whether the second coupon was redeemed.

[0021] According to a second aspect of this application, a payment terminal is provided, the payment terminal comprising: a readable and writable electronic tag; a memory; a processor coupled to the memory; and a computer program stored on the memory and running on the processor, the execution of the computer program causing the following operations: in response to being in tag mode, writing redemption entry information of a first coupon into the readable and writable electronic tag; in response to initiating a payment processing request, switching from the tag mode to a card reader mode and establishing a near-field communication connection with the payment terminal, sending the payment processing request to the payment terminal via the near-field communication connection, the payment processing request including a request to read a second coupon and a request to read a payment voucher; and in response to receiving the second coupon and the payment voucher from the payment terminal, sending a transaction message generated at least based on the second coupon and the payment voucher and receiving a transaction response result, wherein the redemption entry information of the first coupon is sent to the payment terminal, causing the payment terminal to redeem the first coupon through the redemption entry information of the first coupon.

[0022] According to a third aspect of this application, a computer-readable storage medium is provided, comprising instructions that, when executed, perform the steps of the near-field communication-based transaction processing method according to a first aspect of this application.

[0023] According to a fourth aspect of this application, a computer program product is provided, the computer program product including instructions that, when executed by a processor, implement the steps of the transaction processing method based on near-field communication according to a first aspect of this application.

[0024] The transaction processing method based on near-field communication according to one or more embodiments of this application, by dynamically switching the payment terminal between tag mode and card reader mode, makes full use of the reading and writing capabilities of the readable and writable electronic tags of the payment terminal to complete payment, coupon collection and verification in one payment process. This improves the merchant's operating efficiency and reduces the merchant's operating and deployment costs without increasing additional hardware resources, while simplifying the user's cumbersome operations and improving the user experience. Attached Figure Description

[0025] The above and / or other aspects and advantages of this application will become clearer and more readily understood from the following description taken in conjunction with the accompanying drawings, in which the same or similar elements are denoted by the same reference numerals. The drawings include: Figure 1A flowchart of a transaction processing method based on near-field communication according to one or more embodiments of this application is shown.

[0026] Figure 2 A flowchart of a transaction processing method based on near-field communication according to an embodiment of this application is shown.

[0027] Figure 3 A flowchart of a transaction processing method based on near-field communication according to an embodiment of this application is shown.

[0028] Figure 4 A flowchart of a transaction processing method based on near-field communication according to an embodiment of this application is shown.

[0029] Figure 5 A block diagram of a payment terminal according to one or more embodiments of this application is shown. Detailed Implementation

[0030] The present application will now be described more fully with reference to the accompanying drawings, which illustrate exemplary embodiments thereof. However, the present application may be implemented in various forms and should not be construed as being limited to the embodiments given herein. The foregoing embodiments are intended to make the disclosure herein complete and thorough, so as to more fully convey the scope of protection of the present application to those skilled in the art.

[0031] In this specification, terms such as “comprising” and “including” indicate that, in addition to having the units and steps that are directly and explicitly stated in the specification and claims, the technical solution of this application does not exclude the presence of other units and steps that are not directly or explicitly stated.

[0032] Unless otherwise specified, terms such as “first” and “second” do not indicate the order of units in terms of time, space, size, etc., but are merely used to distinguish between units.

[0033] In the following, various exemplary embodiments according to this application will be described in detail with reference to the accompanying drawings.

[0034] Figure 1 A flowchart illustrating a transaction processing method based on near-field communication according to one or more embodiments of this application is shown. Figure 1 The transaction processing method shown can be applied to a payment terminal to complete payment, coupon redemption and verification in a single payment process.

[0035] like Figure 1As shown, in step S101, in response to the payment terminal being in tag mode, the first coupon redemption entry information is written into the read / write electronic tag of the payment terminal. The first coupon redemption entry information is sent to the payment terminal in this step or in a subsequent step, so that the payment terminal can redeem the first coupon through the first coupon redemption entry information.

[0036] Optionally, the readable and writable electronic tag of the payment terminal can be an NFC tag, and the payment terminal can be a POS terminal. When the payment terminal is in tag mode, it may not generate a radio frequency magnetic field and may detect the presence of a radio frequency magnetic field generated by a payment terminal in the vicinity. For example, the NFC chip of the payment terminal may not actively generate a radio frequency magnetic field; it can operate as a passive responder and rely on the radio frequency magnetic field generated by an external card reader (e.g., the NFC module of the payment terminal). Exemplarily, the NFC chip of the payment terminal can monitor the presence of a 13.56MHz radio frequency magnetic field in real time. When a 13.56MHz radio frequency magnetic field is detected, it can obtain energy through electromagnetic induction to activate the internal circuitry; otherwise, it can maintain a low-power standby state to save power. In one embodiment, the NFC tag may conform to the NFC Forum Type 2 Tag standard.

[0037] Optionally, in step S101, the payment terminal can be configured to normally operate in tag mode, receiving the redemption entry information of the first coupon from a remote server (e.g., a marketing platform server, a payment institution server, an acquiring system, etc.) and writing the received first coupon redemption entry information into a readable and writable electronic tag. In one embodiment, when the payment terminal is in tag mode, the payment terminal can send the first coupon redemption entry information to the payment terminal via the established near-field communication connection when establishing a near-field communication connection with the payment terminal. The payment terminal can send a request to redeem the coupon and a device identifier to the coupon backend by accessing the first coupon redemption entry information. The coupon backend can then issue the coupon to the corresponding payment terminal based on the request and the device identifier. It should be noted that establishing a near-field communication connection between the payment terminal and the payment terminal refers to the payment terminal touching or approaching the payment terminal, so that the payment terminal and the payment terminal establish a near-field communication connection within an effective communication range (e.g., 0-20cm). For example, the payment terminal is an NFC-enabled terminal, which includes, but is not limited to, smartphones, smartwatches, tablets, virtual reality devices, augmented reality devices, personal computers, handheld computers, personal digital assistants, etc.

[0038] In step S103, in response to the payment processing request initiated by the receiving terminal, the system switches from tag mode to card reader mode and establishes a near-field communication connection with the payment terminal. The system then sends a payment processing request to the payment terminal via the established near-field communication connection. The payment processing request includes a request to read the second coupon and a request to read the payment voucher.

[0039] Optionally, in step S103, after the user completes the purchase and confirmation of the goods, the payment terminal can initiate a payment processing request upon receiving the corresponding amount due from the payment personnel. This payment processing request includes requesting to read the second coupon and requesting to read the payment voucher. It should be noted that the second coupon here can be the first coupon obtained by the payment terminal in step S101, or it can be other coupons different from the first coupon historically stored in the payment terminal. For example, the payment voucher may include payment card information, such as bank card information.

[0040] When the payment terminal is in card reader mode, it can generate a radio frequency magnetic field and actively poll the surrounding area for communicable payment terminals. For example, the NFC chip in the payment terminal can actively generate a radio frequency magnetic field, covering a sensing area with a radius of approximately less than 10 cm, and detect the presence of a recognizable NFC tag (e.g., the NFC module of a mobile wallet, a physical NFC tag, etc.) within the radio frequency magnetic field by sending polling commands. When no recognizable NFC tag is detected in the radio frequency magnetic field, the NFC chip can continuously send polling commands and maintain the radio frequency magnetic field; when a recognizable NFC tag is detected in the radio frequency magnetic field, the NFC chip can identify the device and establish a communication link by recognizing the unique identifier in the response signal.

[0041] In one embodiment, when the payment terminal is in card reader mode, it can send the first coupon redemption entry information along with a payment processing request to the payment terminal, or send the first coupon redemption entry information to the payment terminal in response to receiving the transaction response result. The payment terminal can send a coupon redemption request and device identifier to the coupon backend by accessing the first coupon redemption entry information. The coupon backend can then issue the coupon to the corresponding payment terminal based on the coupon redemption request and device identifier. For example, when the payment terminal is in card reader mode, it can send a payment processing request to the payment terminal via an established near-field communication connection. This payment processing request may include a request to read information about the second coupon (e.g., coupon code, redemption conditions), member information (e.g., member ID, level), and payment card information bound to the payment terminal. After receiving the payment processing request, the payment terminal can encrypt the second coupon information, member information, and payment card information using an encryption algorithm agreed upon with the payment terminal and send the encrypted data packet to the payment terminal.

[0042] In step S105, in response to receiving the second coupon and payment voucher from the payment terminal, a transaction message generated based on the second coupon and payment voucher is sent and a transaction response result is received.

[0043] Optionally, in step S105, the second coupon and payment voucher can be packaged into a transaction message and sent to the acquiring system, and a transaction response result can be received from the acquiring system. For example, the transaction message may include basic identification fields (e.g., message length, transmission protocol header, message header, message type, etc.), payment data fields (e.g., transaction amount, terminal serial number, transaction processing code, payment voucher, etc.), voucher verification data fields (e.g., voucher code, verification conditions, voucher verification status flag, etc.), member information fields (e.g., member ID, level, points change flag, etc.), and terminal merchant data fields (e.g., terminal number, merchant number, merchant name, merchant address, etc.). After receiving the transaction message, the acquiring system can reassemble the transaction message according to the interface specification between the acquiring system and the payment system and send it to the payment system. The payment system receives and parses the reassembled transaction message to obtain coupon information and payment card information, and can send the coupon information to the coupon backend for verification. Upon receiving a successful coupon redemption message from the coupon backend, the payment system can initiate a deduction request to the issuing bank based on the payment card information in the transaction message. The requested deduction amount is the original amount minus the coupon amount. Conversely, upon receiving a failed redemption message from the coupon backend, the payment system can again initiate a deduction request to the issuing bank based on the payment card information in the transaction message, requesting the original amount to be deducted. After receiving the deduction result message from the issuing bank, the payment system can generate a transaction response result, which may include a transaction response result code (e.g., 00 for success, 01 for failure), coupon redemption result, transaction voucher number, and deduction amount. The payment system can then send the transaction response result to the payment collection system, which in turn can send it to the payment collection terminal.

[0044] In one embodiment, when the acquiring system detects that the current transaction meets the coupon redemption conditions, it can add a new third coupon after the transaction is completed and send the redemption entry information of the third coupon to the payment terminal. Upon receiving the third coupon redemption entry information, the payment terminal can switch from reader mode to tag mode and write the third coupon redemption entry information into a writable electronic tag. During a preset time period (e.g., 5-10 seconds), it generates a prompt message to remind the payment terminal to redeem the third coupon. When a near-field communication connection is established with the payment terminal during this preset time period, the third coupon redemption entry information is sent to the payment terminal via the established near-field communication connection, allowing the payment terminal to redeem the third coupon using the redemption entry information. After the preset time period or upon receiving a termination command, the first coupon redemption entry information can be rewritten into the writable electronic tag. In one embodiment, the payment terminal can switch to tag mode in response to one or more of the following events: detecting an external radio frequency magnetic field, receiving a mode switching instruction, or receiving a transaction completion notification.

[0045] In one embodiment, coupon redemption information can be written into a protected area of ​​a read / write RFID tag in NDEF (NFC Data Exchange Format), and the data in this protected area can be modified by the payment terminal's driver interface. Exemplarily, the protected area of ​​the RFID tag can be a Capability Container (CC) area with One-Time Programmable (OTP) functionality to prevent malicious tampering of the data. In one embodiment, the protected area of ​​the read / write RFID tag is configured with an access password; when the number of incorrect access password attempts reaches a maximum attempt threshold (e.g., 3 times), access to the data in this protected area is prohibited. In one embodiment, the coupon redemption information can be the coupon's Uniform Resource Locator (URL) information.

[0046] The transaction processing method based on near-field communication according to one or more embodiments of this application, by dynamically switching the payment terminal between tag mode and card reader mode, makes full use of the reading and writing capabilities of the readable and writable electronic tags of the payment terminal to complete payment, coupon collection and verification in one payment process. This improves the merchant's operating efficiency and reduces the merchant's operating and deployment costs without increasing additional hardware resources, while simplifying the user's cumbersome operations and improving the user experience.

[0047] The following combination Figure 2-4Further, specific implementations of the transaction processing method based on near-field communication according to one or more embodiments of this application are described.

[0048] Figure 2 A flowchart of a transaction processing method based on near-field communication according to an embodiment of this application is shown. Figure 2 The method shown can be used to implement application scenarios such as tap-to-receive coupons, payment, and coupon verification.

[0049] like Figure 2 As shown, in step S201, the acquiring system sends the first coupon redemption entry information to the acquiring terminal in tag mode.

[0050] In step S203, the payment terminal in tag mode writes the entry information for the first coupon into a writable electronic tag.

[0051] In step S205, the payment terminal can establish a near-field communication connection with the receiving terminal to request information on the redemption entry point for the first coupon from the receiving terminal. For example, the payment terminal can establish a near-field communication connection with the receiving terminal by tapping it against the receiving terminal.

[0052] In step S207, the receiving terminal sends the information on the first coupon redemption portal to the payment terminal.

[0053] In step S209, the payment terminal sends a request to claim the first coupon and a device identifier to the coupon backend by accessing the first coupon claim entry information.

[0054] In step S211, the coupon backend sends the first coupon to the corresponding payment terminal based on the coupon claim request and device identifier.

[0055] In step S213, the payment terminal saves the received first coupon, for example, by saving it to a mobile wallet.

[0056] In step S215, the receiving terminal initiates a payment processing request, switches from tag mode to reader mode, and establishes a near-field communication connection with the payment terminal. It then sends a payment processing request to the payment terminal via this established near-field communication connection. This request includes a request to read the second coupon and a request to read the payment voucher. It should be noted that the second coupon here can be the first coupon saved by the payment terminal in step S213, or it can be another coupon different from the first coupon historically stored in the payment terminal.

[0057] In step S217, the payment terminal sends the second coupon and payment voucher to the receiving terminal.

[0058] In step S219, the payment terminal packages the second coupon and payment voucher into a transaction message and sends the transaction message to the acquiring system.

[0059] In step S221, the acquiring system reassembles the transaction message and sends it to the payment system in accordance with the interface specification between the acquiring system and the payment system.

[0060] In step S223, the payment system receives and parses the reconstructed transaction message to obtain the second coupon and payment voucher. The payment system can then send the second coupon to the coupon backend for redemption.

[0061] In step S225, the coupon backend returns the coupon redemption result to the payment system. The coupon redemption result may include the result of successful redemption and the result of failed redemption.

[0062] In step S227, the payment system sends the transaction response result to the acquiring system. Specifically, after receiving a successful redemption result from the coupon backend, the payment system can initiate a deduction request to the issuing bank based on the payment voucher information in the transaction message, requesting a deduction amount equal to the original amount minus the coupon amount. After receiving a failed redemption result from the coupon backend, the payment system can initiate a deduction request to the issuing bank based on the payment voucher information in the transaction message, requesting a deduction amount equal to the original amount. After receiving the deduction result message from the issuing bank, the payment system can generate a transaction response result, which may include a transaction response result code (e.g., 00 for success, 01 for failure), coupon redemption result, transaction voucher number, deduction amount, etc.

[0063] In step S229, the acquiring system sends the transaction response result to the collection terminal.

[0064] In step S231, when the acquiring system detects that the current transaction meets the conditions for receiving the coupon, a new third coupon can be added after the transaction is completed, and the information on the entry point for receiving the third coupon can be sent to the payment terminal.

[0065] In step S233, the payment terminal switches from card reader mode to tag mode and writes the third coupon redemption entry information into the readable and writable electronic tag. During a preset time period (e.g., 5-10 seconds), a prompt message is generated to remind the payment terminal to redeem the third coupon.

[0066] In step S235, the payment terminal can request access information for redeeming a third coupon from the receiving terminal via a near-field communication connection with the receiving terminal.

[0067] In step S237, the receiving terminal sends the redemption information of the third coupon to the payment terminal.

[0068] In step S239, the payment terminal sends a third coupon claim request and device identifier to the coupon backend by accessing the third coupon claim entry information.

[0069] In step S241, the coupon backend sends the third coupon to the corresponding payment terminal based on the coupon claim request and device identifier.

[0070] In step S243, the payment terminal saves the received third coupon, for example, to its mobile wallet. It should be noted that if the acquiring system detects that the current transaction does not meet the coupon redemption conditions, no new third coupon will be added after the transaction is completed. That is, steps S231-S243 are executed only if the acquiring system detects that the current transaction meets the coupon redemption conditions.

[0071] In step S245, after a preset time period or in response to receiving an end operation command, the payment terminal rewrites the first coupon redemption entry information into the readable and writable electronic tag.

[0072] Figure 3 A flowchart of a transaction processing method based on near-field communication according to an embodiment of this application is shown, wherein the receiving terminal is in card reader mode. Figure 3 The method shown can realize application scenarios such as receiving coupons upon payment, payment, and coupon verification.

[0073] like Figure 3 As shown, in step S301, the receiving terminal initiates a payment processing request, establishes a near-field communication connection with the payment terminal, and sends the payment processing request to the payment terminal via the established near-field communication connection. This payment processing request includes a request to read the second coupon, a request to read the payment voucher, and the redemption entry information of the first coupon. It should be noted that the second coupon here is a different coupon from the first coupon that is historically stored in the payment terminal.

[0074] In step S303, the payment terminal sends the second coupon and payment voucher to the receiving terminal. Simultaneously, the payment terminal may proceed to step S317 after a preset time period (e.g., 2 seconds).

[0075] In step S305, the payment terminal packages the second coupon and payment voucher into a transaction message and sends the transaction message to the acquiring system.

[0076] In step S307, the acquiring system reassembles the transaction message and sends it to the payment system in accordance with the interface specification between the acquiring system and the payment system.

[0077] In step S309, the payment system receives and parses the reconstructed transaction message to obtain the second coupon and payment voucher. The payment system can then send the second coupon to the coupon backend for redemption.

[0078] In step S311, the coupon backend returns the coupon redemption result to the payment system. The coupon redemption result may include the result of successful redemption and the result of failed redemption.

[0079] In step S313, the payment system sends the transaction response result to the acquiring system. Specifically, after receiving a successful redemption result from the coupon backend, the payment system can initiate a deduction request to the issuing bank based on the payment voucher information in the transaction message, requesting a deduction amount equal to the original amount minus the coupon amount. After receiving a failed redemption result from the coupon backend, the payment system can initiate a deduction request to the issuing bank based on the payment voucher information in the transaction message, requesting a deduction amount equal to the original amount. After receiving the deduction result message from the issuing bank, the payment system can generate a transaction response result, which may include a transaction response result code (e.g., 00 for success, 01 for failure), coupon redemption result, transaction voucher number, deduction amount, etc.

[0080] In step S315, the acquiring system sends the transaction response result to the collection terminal.

[0081] In step S317, the payment terminal displays a coupon redemption notification and requests the coupon redemption page from the coupon backend in response to the user clicking the coupon redemption notification.

[0082] In step S319, the coupon backend returns the coupon redemption page to the payment terminal.

[0083] In step S321, the payment terminal responds to the user clicking the coupon redemption page by sending a first coupon redemption request, user identifier, and transaction identifier to the coupon backend.

[0084] In step S323, the coupon backend sends the user identifier and transaction identifier to the payment system so that the payment system can determine whether the payment terminal meets the conditions for receiving the coupon.

[0085] In step S325, the payment system returns the judgment result to the coupon platform. If the judgment result indicates that the payment terminal meets the coupon redemption conditions, proceed to step S327; otherwise, steps S327 and S329 are not executed.

[0086] In step S327, the coupon platform sends the first coupon to the payment terminal.

[0087] In step S329, the payment terminal saves the received first coupon, for example, by saving it to a mobile wallet.

[0088] Figure 4 A flowchart of a transaction processing method based on near-field communication according to an embodiment of this application is shown, wherein the receiving terminal is in card reader mode. Figure 4 The method shown can be used to implement application scenarios such as coupon redemption, payment, and coupon verification after a transaction.

[0089] like Figure 4 As shown, in step S401, the receiving terminal initiates a payment processing request, establishes a near-field communication connection with the payment terminal, and sends the payment processing request to the payment terminal via the established near-field communication connection. This payment processing request includes a request to read a second coupon and a request to read a payment voucher. It should be noted that the second coupon here is a different coupon from the first coupon that is historically stored in the payment terminal.

[0090] In step S403, the payment terminal sends the second coupon and payment voucher to the receiving terminal.

[0091] In step S405, the payment terminal packages the second coupon and payment voucher into a transaction message and sends the transaction message to the acquiring system.

[0092] In step S407, the acquiring system reassembles the transaction message and sends it to the payment system in accordance with the interface specification between the acquiring system and the payment system.

[0093] In step S409, the payment system receives and parses the reconstructed transaction message to obtain the second coupon and payment voucher. The payment system can then send the second coupon to the coupon backend for redemption.

[0094] In step S411, the coupon backend returns the coupon redemption result to the payment system. The coupon redemption result may include the result of successful redemption and the result of failed redemption.

[0095] In step S413, the payment system sends the transaction response result to the acquiring system. Specifically, after receiving a successful redemption result from the coupon backend, the payment system can initiate a deduction request to the issuing bank based on the payment voucher information in the transaction message. The actual amount to be deducted is the original amount minus the coupon amount. After receiving a failed redemption result from the coupon backend, the payment system can initiate a deduction request to the issuing bank based on the payment voucher information in the transaction message. The actual amount to be deducted is the original amount. After receiving the deduction result message from the issuing bank, the payment system can generate a transaction response result, which may include a transaction response result code (e.g., 00 for success, 01 for failure), coupon redemption result, transaction voucher number, deduction amount, etc.

[0096] In step S415, the acquiring system sends the transaction response result to the collection terminal.

[0097] In step S417, the receiving terminal sends the information on the first coupon redemption entry point to the payment terminal.

[0098] In step S419, the payment terminal displays a coupon redemption notification.

[0099] In step S421, the payment terminal requests the coupon redemption page from the coupon backend in response to the user clicking the coupon redemption notification.

[0100] In step S423, the coupon backend returns the coupon redemption page to the payment terminal.

[0101] In step S425, the payment terminal responds to the user clicking the coupon redemption page by sending a first coupon redemption request, user identifier, and transaction identifier to the coupon backend.

[0102] In step S427, the coupon backend determines whether the payment terminal meets the coupon redemption conditions. If the determination result is that the payment terminal meets the coupon redemption conditions, proceed to step S429; otherwise, steps S429 and S431 are not executed.

[0103] In step S429, the coupon platform sends the first coupon to the payment terminal.

[0104] In step S431, the payment terminal saves the received first coupon, for example, by saving it to a mobile wallet.

[0105] Figure 5 A block diagram of a payment terminal according to one or more embodiments of this application is shown.

[0106] like Figure 5 As shown, the payment terminal 500 includes a readable and writable electronic tag 510, a memory 520, a processor 530, and a computer program 540 stored in the memory 520 and executable on the processor 530. The processor 530 executes the computer program 540 to implement a near-field communication-based transaction processing method according to one aspect of this application.

[0107] This application can also be implemented as a computer-readable storage medium including instructions that, when executed, perform a near-field communication-based transaction processing method according to one aspect of this application.

[0108] Where applicable, the various embodiments provided in this application may be implemented using hardware, software, or a combination of hardware and software. Furthermore, where applicable, without departing from the scope of this application, the various hardware and / or software components described herein may be combined into composite components comprising software, hardware, and / or both. Where applicable, without departing from the scope of this application, the various hardware and / or software components described herein may be divided into sub-components comprising software, hardware, or both. Additionally, where applicable, it is contemplated that software components may be implemented as hardware components, and vice versa.

[0109] The software (such as program code and / or data) according to this application can be stored on one or more computer storage media. It is also contemplated that the software identified herein can be implemented using one or more networked and / or otherwise general-purpose or special-purpose computers and / or systems. Where applicable, the order of the various steps described herein can be changed, combined into compound steps, and / or divided into sub-steps to provide the features described herein.

[0110] The embodiments and examples presented herein are provided to best illustrate embodiments of this application and its particular applications, thereby enabling those skilled in the art to implement and use this application. However, those skilled in the art will understand that the above description and examples are provided for ease of illustration and example only. The descriptions presented are not intended to cover all aspects of this application or to limit this application to the precise forms disclosed.

Claims

1. A transaction processing method based on near-field communication, characterized in that, The transaction processing method includes the following steps: In response to the payment terminal being in tag mode, the information for redeeming the first coupon is written into the readable and writable electronic tag of the payment terminal; In response to the payment processing request initiated by the receiving terminal, the system switches from tag mode to card reader mode and establishes a near-field communication connection with the payment terminal. The system then sends the payment processing request to the payment terminal via the near-field communication connection. The payment processing request includes a request to read a second coupon and a request to read a payment voucher. In response to receiving a second coupon and payment voucher from the payment terminal, the system sends a transaction message based on at least the second coupon and the payment voucher and receives a transaction response result. The receiving terminal sends the information for claiming the first coupon to the payment terminal, enabling the payment terminal to claim the first coupon through the information for claiming the first coupon.

2. The method according to claim 1, wherein the receiving terminal sending the redemption entry information of the first coupon to the payment terminal includes: When the payment terminal is in tag mode or card reader mode, the information for claiming the first coupon is sent to the payment terminal.

3. The method according to claim 2, wherein sending the redemption entry information of the first coupon to the payment terminal when the payment terminal is in the tag mode includes: When the payment terminal is in the tag mode, in response to establishing a near-field communication connection with the payment terminal, the information on the entry point for redeeming the first coupon is sent to the payment terminal via the near-field communication connection.

4. The method according to claim 2, wherein sending the redemption entry information of the first coupon to the payment terminal when the payment terminal is in the card reader mode includes: When the payment terminal is in the card reader mode, the information on the first coupon redemption entry point, along with the payment processing request, is sent to the payment terminal, or the information on the first coupon redemption entry point is sent to the payment terminal in response to receiving the transaction response result.

5. The method according to claim 1, wherein the readable and writable electronic tag of the payment terminal is an NFC tag, and the payment terminal is a POS terminal.

6. The method according to claim 1, wherein the method further comprises: In response to the current transaction meeting the conditions for claiming coupons, receive the entry information for claiming a third coupon; Switch from the card reader mode to the tag mode and write the redemption entry information of the third coupon into the readable and writable electronic tag; During a preset time period, a prompt message is generated to remind the payment terminal to claim the third coupon; as well as In response to establishing a near-field communication connection with the payment terminal during the preset time period, the payment terminal sends the redemption entry information of the third coupon to the payment terminal via the near-field communication connection, so that the payment terminal can redeem the third coupon through the redemption entry information of the third coupon.

7. The method according to claim 6, wherein the method further comprises: After the preset time period or in response to receiving an end operation command, the information for claiming the first coupon is rewritten into the readable and writable electronic tag.

8. The method according to claim 1, wherein when the payment terminal is in the card reader mode, the payment terminal generates a radio frequency magnetic field and actively polls whether there are any communicable payment terminals in the vicinity.

9. The method according to claim 1, wherein when the payment terminal is in the tag mode, the payment terminal does not generate a radio frequency magnetic field and detects whether there is a radio frequency magnetic field generated by a payment terminal in the vicinity.

10. The method of claim 1, wherein the receiving terminal switches to the tag mode in response to one or more of the following: detecting an external radio frequency magnetic field, receiving a mode switching instruction, or receiving a transaction completion notification.

11. The method according to claim 1 or 6, wherein the information on the first coupon redemption entry and the information on the third coupon redemption entry are written in NDEF format to the protected area of ​​the read / write electronic tag, and the data in the protected area is modified by the driver interface of the payment terminal.

12. The method of claim 10, wherein the protected area of ​​the readable and writable electronic tag is configured with an access password, and when the number of incorrect attempts with the entered access password reaches a maximum attempt threshold, the data in the protected area is prohibited from being accessed.

13. The method according to claim 1 or 6, wherein the entry information for claiming the first coupon and the entry information for claiming the third coupon are Uniform Resource Locator (URL) information for the coupons.

14. The method of claim 1, wherein sending a transaction message generated at least based on the second coupon and the payment voucher and receiving a transaction response result comprises: The second coupon and the payment voucher are packaged into a transaction message and the transaction message is sent to the acquiring system; as well as Receive the transaction response result from the acquiring system.

15. The method of claim 1, wherein the transaction response result is used to indicate whether the transaction was successful and whether the second coupon was redeemed.

16. A payment terminal, characterized in that, The payment terminal includes: Readable and writable electronic tags; Memory; A processor coupled to the memory; and A computer program stored in the memory and running on the processor, the execution of which causes the following operations: In response to being in tag mode, the entry information for claiming the first coupon is written into the readable and writable electronic tag; In response to initiating a payment processing request, the system switches from tag mode to reader mode and establishes a near-field communication connection with the payment terminal. The system then sends the payment processing request to the payment terminal via this near-field communication connection. The payment processing request includes requests to read a second coupon and requests to read a payment voucher. In response to receiving a second coupon and payment voucher from the payment terminal, the system sends a transaction message based on at least the second coupon and the payment voucher and receives a transaction response result. The information for claiming the first coupon is sent to the payment terminal, enabling the payment terminal to claim the first coupon through the information for claiming the first coupon.

17. The payment terminal according to claim 16, wherein in the tag mode or in the card reader mode, the information for claiming the first coupon is sent to the payment terminal.

18. The payment terminal according to claim 17, wherein in the tag mode, in response to establishing a near-field communication connection with the payment terminal, the redemption entry information of the first coupon is sent to the payment terminal via the near-field communication connection.

19. The payment terminal according to claim 17, wherein in the card reader mode, the information on the first coupon redemption entry point is sent to the payment terminal along with the payment processing request, or the information on the first coupon redemption entry point is sent to the payment terminal in response to receiving the transaction response result.

20. The payment terminal according to claim 16, wherein the readable and writable electronic tag is an NFC tag, and the payment terminal is a POS terminal.

21. The payment terminal according to claim 16, wherein the execution of the computer program further causes: In response to the current transaction meeting the conditions for claiming coupons, receive the entry information for claiming a third coupon; Switch from the card reader mode to the tag mode and write the redemption entry information of the third coupon into the readable and writable electronic tag; During a preset time period, a prompt message is generated to remind the payment terminal to claim the third coupon; as well as In response to establishing a near-field communication connection with the payment terminal during the preset time period, the payment terminal sends the redemption entry information of the third coupon to the payment terminal via the near-field communication connection, so that the payment terminal can redeem the third coupon through the redemption entry information of the third coupon.

22. The payment terminal of claim 21, wherein the execution of the computer program further causes: After the preset time period or in response to receiving an end operation command, the information for claiming the first coupon is rewritten into the readable and writable electronic tag.

23. The payment terminal according to claim 16, wherein in the card reader mode, the payment terminal generates a radio frequency magnetic field and actively polls the surrounding area for the presence of a communicable payment terminal.

24. The payment terminal according to claim 16, wherein in the tag mode, the payment terminal does not generate a radio frequency magnetic field and detects whether a radio frequency magnetic field generated by a payment terminal exists in the vicinity.

25. The payment terminal of claim 16, wherein the payment terminal switches to the tag mode in response to one or more of the following: detecting an external radio frequency magnetic field, receiving a mode switching instruction, or receiving a transaction completion notification.

26. The payment terminal according to claim 16 or 21, wherein the information for claiming the first coupon and the information for claiming the third coupon are written in NDEF format to the protected area of ​​the read / write electronic tag, and the data in the protected area is modified by the driver interface of the payment terminal.

27. The payment terminal according to claim 25, wherein the protected area of ​​the readable and writable electronic tag is configured with an access password, and when the number of incorrect attempts with the access password reaches the maximum attempt threshold, the data in the protected area is prohibited from being accessed.

28. The payment terminal according to claim 16 or 21, wherein the entry information for claiming the first coupon and the entry information for claiming the third coupon are Uniform Resource Locator (URL) information for the coupons.

29. The payment terminal of claim 16, wherein the execution of the computer program causes the sending of a transaction message generated at least based on the second coupon and the payment voucher and the receiving of a transaction response result, comprising: The second coupon and the payment voucher are packaged into a transaction message and the transaction message is sent to the acquiring system; as well as Receive the transaction response result from the acquiring system.

30. The payment terminal of claim 16, wherein the transaction response result is used to indicate whether the transaction was successful and whether the second coupon was redeemed.

31. A computer-readable storage medium, characterized in that, The computer storage medium includes instructions that, when executed, perform the transaction processing method based on near-field communication according to any one of claims 1-15.

32. A computer program product, characterized in that, The computer program product includes instructions that, when executed by a processor, implement the transaction processing method based on near-field communication according to any one of claims 1-15.

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